My problem: within CVCX I'm defining and comparing two strategies: STRATEGY 1: use basic strategy... and set "insurance decks table" = Never Insure. STRATEGY 2: use the exact same basic strategy as above, but set "insurance decks table" to 3 for all decks (i.e. I'm trying to compare Basic Strategy with NO insurance to Basic Strategy with Insurance at TC=3... note there are no other index changes). RESULT: Strategy 1 (no insurance) has Win/Hr = $23.48.... but Strategy 2 (include insurance at TC=3+... which should have the highest impact of the Sweet 16 indices) actually LOWERS the Win/Hr to $9.33. (Note my standard error is only $3.06/hr). Does anyone has any insight to what I'm doing wrong?